Everything You Need for Smarter Retirement Tax Decisions
Avoid costly mistakes, reduce your tax bill, and walk into every conversation with your advisor fully prepared — all on your iPad or Mac.
Available for iPad & Mac · No account required
Keep More of Your Money
Model Roth conversions, extra IRA withdrawals, and charitable distributions to see the real-time impact on your federal and state taxes — before you make a move that can't be undone.
- ✓Per-spouse Roth conversion and withdrawal sliders
- ✓QCD support up to $111,000 per person
- ✓Appreciated stock donation with capital gains analysis
- ✓Instant federal + state + IRMAA recalculation
Don't accidentally pass tax bills to your heirs
Roth conversions aren't just about your taxes today — they're one of the most powerful tools for building generational wealth. RetireSmartIRA shows exactly how your conversion decisions affect total family wealth across decades, modeling the widow bracket jump, heir tax rates, and the SECURE Act 10-year drawdown rule.
- ✓Family wealth comparison: with vs. without conversion
- ✓Wealth-over-time chart showing Roth crossover point
- ✓Break-even analysis across 10, 20, and 30-year horizons
- ✓Surviving spouse bracket jump modeling
Never Miss an RMD — or Take More Than You Need
Calculate exactly what the IRS requires you to withdraw this year, and see how future distributions will affect your taxes. Supports traditional IRAs, inherited IRAs, and 401(k) rollovers.
- ✓IRS Uniform Lifetime Table calculations
- ✓Per-account RMD breakdown
- ✓Multi-year projections with adjustable growth rates
- ✓Inherited IRA support with 10-year rule tracking
See your full tax bill — including the surprises most apps miss
Federal tax, state tax, NIIT 3.8% surtax, and IRMAA Medicare surcharges — every dollar of your tax bill on one screen. See how each scenario decision flows through, with line-by-line traceability from income to total tax owed. No black boxes.
- ✓Income composition breakdown by source (wages, dividends, capital gains, RMDs, pensions)
- ✓Line-by-line tax projection: gross income → deductions → taxable → total tax owed
- ✓IRMAA tier shown with distance to the next cliff and the income reduction needed to drop a tier
- ✓NIIT 3.8% surtax called out separately for high-income households
- ✓SALT cap math (with the $40,400 federal limit applied automatically)
- ✓Standard vs. itemized auto-compared — see which saves more and by how much
Find Out If Moving Could Save You Thousands
All 50 states ranked by income tax for your specific situation. Drill into any state for retirement income exemptions, bracket breakdowns, and exactly how much you'd save — or pay — by relocating.
- ✓Personalized rankings based on your income
- ✓Retirement income exemption details per state
- ✓Savings analysis for potential relocation
- ✓Search by state name or abbreviation
Time Social Security as a Couple — Not as Two Individuals
The decision that drives the surviving spouse's check — for life. Compare claiming at 62 vs. FRA vs. 70 for both spouses side-by-side, see cumulative lifetime benefits, and get a recommended couples strategy that maximizes both income and survivor protection.
- ✓Per-spouse benefit estimates at age 62, FRA, and 70
- ✓Cumulative lifetime benefits chart across both planning horizons
- ✓Couples Optimization recommendation (e.g., Pat at 70 + Sue at 69 → $2.3M lifetime)
- ✓Survivor Impact: what your spouse's check becomes if you pass first
- ✓Deemed-filing and spousal top-up rules handled automatically (post-1954 birth years)
- ✓Optional tax integration to see how SS interacts with your other income
Pay the Right Amount Every Quarter — Not a Penny More
Underpay and face penalties. Overpay and give the IRS an interest-free loan. RetireSmartIRA calculates your exact quarterly estimated payments with IRS safe harbor rules built in.
- ✓Payment schedule with Q1-Q4 due dates
- ✓90% safe harbor calculation
- ✓Federal and state withholding gap analysis
- ✓Dynamic recalculation from scenario changes
Walk Into Your CPA's Office Fully Prepared
Generate a comprehensive PDF covering all your income, deductions, tax calculations, and scenario decisions. Hand it to your tax advisor and make every minute count.
- ✓Complete income and deduction breakdown
- ✓Federal and state tax calculations
- ✓Scenario decision summary
- ✓Professional formatting for advisor review
Your Financial Data Stays on Your Device. Period.
No accounts to create. No cloud sync. No analytics. No third-party SDKs. Your financial information is never transmitted anywhere — delete the app and every number disappears with it.
- ✓Zero data transmission to external servers
- ✓No analytics or tracking frameworks
- ✓No account creation required
- ✓All calculations performed on-device
Stop guessing. Start planning.
Updated for 2026 IRS limits, HHS poverty guidelines, ACA cliff thresholds, and all 50 state tax brackets. Free to download.